comes out of your hsa. need a physical exam for a new general? hsa. birth control pills? hsa. no hobby lobby issues. very few things are coming out of your catastrophic or bridge insurance. the costs of that will plummet. you make it cumulative. in other words, if you don't use it, you don't lose it. it keeps accumulating. since you have it from the time of birth and it's accumulating each year and the vast majority of the people aren't using substantial amounts of it well into adulthood, they're accumulating enormous amounts of money. the other kicker is you allow people to shift money within their health savings account within their family. so say the father's $500 short, the mother can give $500 out of hers or the son or the grandmother or anybody in the family. every family becomes its even insurance -- own insurance company with no middleman. incredible amount of flexibility. other things aren't handled that way. american legacy pac, go to that website and you can read all about it. more things are coming out each week. and i've been trying to encourage congress that they